Credit cards can affect your credit score and mortgage, and more cards can make it more difficult to manage, and the likelihood of theft will increase accordingly.

1, at the same time apply for more than one credit card may affect the credit

Because the credit card approval has a very important reference basis - credit report, that is, we apply for a credit card, the bank will query our credit, the next day your credit will have this query record.

2, hold more than one credit card may affect the mortgage

China Payment Clearing Association issued the "Bank Card Business Risk Control and Security Management Guidelines", which requires banks to strictly control the situation of one person with multiple cards, over-credit, cardholders applying for credit card overdrafts far above the level of personal income will be blocked. As a result, the number of credit cards is too high, the total credit limit is too high, it is difficult to apply for a credit card, and even for loans will be affected.

3, the card is difficult to manage, accidentally may be overdue

The number of cards is too much, each is in the open state, the management of a certain degree of difficulty. First of all, credit cards generally have an annual fee, you need to brush the card to meet a certain number of times or amount of money in order to waive the annual fee, if you which did not brush enough to meet the required number of times or amount of money, you will have to bear the loss of the annual fee. In addition, more than one credit card brush card use, in case which one did not pay on time, it will lead to overdue, generating interest at the same time, but also ruined the credit.

4, credit card cash at risk

Banks have their own anti-fraud department, risk identification system, can be identified through the big data + manual checking the way risky transactions.

5, the possibility of theft increased

Holding multiple credit cards is not only detrimental to the management, and the possibility of theft greatly increased.